Top 17 PayPal Alternatives: Top Solutions Reviewed

Paypal Alternatives

PayPal was once one of the most innovative technologies in the world. At the time, I wasn’t very interested in paypal alternatives. Not only does it allow you to quickly send and receive money from friends and family, it has also ensured that your money is far more secure than many other options you can choose from. Considering that both sellers and buyers are concerned about fraudulent behavior, this issue has been great since eBay emerged.

Plus, PayPal authentic invoicing, e-commerce, payment processing and reporting tools allow you to accept payments for services and products without problems. It’s no secret that the PayPal interface is still robust, but the main reason PayPal is still popular is that people get used to it. Quite another PayPal alternative comes with lower rates, better customer service and a better interface.

If you are looking for the cheapest PayPal alternative, International Money Transfer , I recommend jumping straight to it. Transmission method . We have personally used it many times and o The cheapest and most widely used solution to exchange currency or send money.

Paypal alternatives reviewed in this post:

  1. Square.
  2. Shopify payment
  3. Pay line
  4. TransferWise
  5. 2Checkout
  6. Payoneer
  7. Skrill
  8. stripe
  9. Google Pay
  10. Authorize.Net
  11. QuickBooks payment
  12. Dwolla
  13. Braintree
  14. On WorldPay
  15. Amazon Pay
  16. Klana
  17. WePay

Btw, here is a video version of a tutorial made by my colleague Joe. 🙂

YouTube video

Paypal alternative: square.

Paypal Alternative-Square

Square. It’s one of the great alternatives that often come up when comparing PayPal to other solutions. And there is a good reason.

As you can see, Square is not just a payment processor. Offers an online store plus domain for free, then combines it with shopping cart integration, invoicing, storage of card information storage and virtual terminal functions. In addition, POS and mPOS integration is provided for free for card processing.

Best Payment Gateways

Of course, square. Not as popular as PayPal. It’s not very close because only sellers residing in the US, UK, Canada, Australia and Japan accept credit card payments.

Don’t be wrong though. Square has attracted a large number of users due to the wide range of features it provides for small businesses. In addition to the free supplementary provisions we have mentioned, the entire platform can be further expanded with additional solutions such as appointment booking, payroll and staff management.

When it comes to transaction fees, Square maintains the standard speed seen by most other processors. For example, in-store card processing costs 2.75% and online and invoice payments are 2.9% + $0.30.

All in all, Square offers tremendous value as a payment processing solution.


  • It comes with a free domain and an online store.
  • Square is a comprehensive all-in-one payment solution.
  • There are additional add-on services for your growing business.
  • Square doesn’t charge a monthly fee.
  • This feature is particularly advantageous for small-volume sellers.


  • As a payment gateway, Square is only available in the US, UK, Canada, Australia and Japan.
  • If you are a third-party payment aggregator, your Square account may be unstable.
  • Not suitable for high risk sellers.

PayPal Alternative: Shopify Payment

If you’re going to use Shopify, it’s probably before Shopify Billing . It’s basically a built-in payment processing system that comes as part of the whole. Shopify platform.

So you don’t have to worry about inserting an external payment gateway. You can manage your transaction processing system right from Shopify’s main dashboard. The end result is a seamless integration between the online store and the payment system.

But make no mistake. Shopify Payments is not about online payments. It also provides POS hardware support for synchronized offline payments.

Now the Shopify payments feature doesn’t lure you, and the accompanying perks are possible. While using PayPal, you will have to pay a transaction fee of 0.5-2% above the cost of processing your Shopify card. This corresponds to a zero transaction rate for Shopify payments .

Essentially, you pay a fee card processing fee based on your specific Shopify plan . The highest they can go is 2.9% + $0.30 and the lowest is 2.4% + $0.30 .

Upon completion, subsequent payouts will be booked every 3 business days. On the other hand, PayPal takes 5 to 7 business days. .


  • Built-in Shopify provides a seamless payment management experience.
  • Shopify Payments can be built into various platforms and solutions, including third-party payment processors.
  • It works well with numerous accounting applications to facilitate accounting and reporting.
  • Eliminate transaction fees. Shopify.


  • Shopify payments are only available in some countries.
  • Accounts may be suspended and investigated without warning.
  • Shopify Deductible $15 for every single chargeback

PayPal Alternative: Payline

Pay Line is a payment processor that provides a variety of solutions including mobile, online and in-store payments.

PayPal Alternative-Payline

Support common e-commerce payment system, but the pay line is particularly suitable for in-store payments. It’s cheaper and more flexible than PayPal when it comes to facilitating retail.

Stripe vs Paypal

That said, Payline doesn’t use the standard static pricing schedule. Instead, we provide solutions through the Interchange Plus pricing system. Therefore, the fees are consistently different depending on the type of card that has been processed.

In other words, the exchange model is the most transparent in the payment processing space. However, the only challenge you may face is predicting future costs.

But get this. PayPal charges a reasonable flat rate by default, but for 2.7% offline transactions, using Payline will reduce the cost.

Now the features provided for card processing depend on the package you have set up. If a mobile card reader is your job, Payline’s Spark and Surge package is definitely worth it. They are affordable and fit well for small business owners.

On the other hand, businesses are payline store packages. The most costly option, but desktop card readers and other powerful card processing resources and features .

Compare it to PayPal’s inflexible in-store card processing, which offers only two card readers. And to make matters worse, EMV support is provided.

However, when it comes to commerce transactions, PayPal outperforms Payline.


  • The Interchange Plus pricing structure is not only flexible, but also fairly transparent.
  • Payline offers a variety of in-store credit card processing packages with strong support hardware.
  • Payline’s offline transaction fees are cheaper than PayPal.
  • It provides a full-featured API for easy integration with third-party solutions and platforms.
  • Payline supports mobile payments.


  • So far, Payline is only available in the US
  • It is difficult to predict the fees incurred through exchange and pricing models.
  • Payline’s eCommerce payment processing capabilities cannot match PayPal.

PayPal Alternative: TransferWise

PayPal Alternative-TransferWise

TransferWise is a much cheaper alternative to PayPal for international money transfers. Comparison tool vs PayPal). The new shiny multi-currency borderless account helps consumers, freelancers, and online businesses to send, receive, and send money across borders with minimal cost.

TransferWise works like this: It eliminates covert hidden charges and charges one prepaid transfer fee. It is also interesting how the money moves. For example, let’s say you are in the United States and you want to send money to a friend in France. When you pay, the money goes into TransferWise’s US bank account. Then you pay your friend from your TransferWise France bank account using the actual exchange rate. So money really can’t cross borders. Keep rates lower and make your transfers somewhat faster.


  • It has over 4 million customers worldwide and is one of the most widely used and affordable tools for international money transfers.
  • Very transparent price.
  • They can hold and transfer between their new borderless account +40 currencies.
  • With TransferWise for business, you can bill your customers in the currency that suits them.
  • Money doesn’t actually cross borders, so you can reduce costs and ensure fast transfers.


  • If it is not by bank transfer, you cannot send or collect money.
  • You can only receive money in EUR, USD, AUD and GBP with accounts without borders
  • Still not getting all of the cool extras like recurring billing


PayPal Alternative: 2Checkout

Paypal alternative: 2checkout

2Checkout is one of PayPal’s most preferred alternatives as it accepts payments worldwide. As I mentioned a little about PayPal in the introduction, it is still limited to the countries that can accept payments through PayPal. Check out 2 that seems to change . The fees in the US are exactly the same as PayPal, but in other countries you get better rates when accepting payments from customers.

Calculate the price you pay and 2Checkout is cheaper than PayPal in your country.


  • You don’t have to pay monthly or setup fees.
  • We accept major payment methods including credit cards, debit cards (Visa, MasterCard, Maestro) and PayPal.
  • Choose from 87 currencies, 15 payment types, and eight languages.
  • Advanced Fraud Prevention follows 300+ security rules for each transaction.
  • Several customizable checkout options are available. Payments are mobile friendly, branded and localized.
  • Setting up recurring billing for customers
  • You can connect a merchant account with a payment gateway .
  • The integration includes over 100 online carts, APIs and sandboxes.


  • Payments received by customers outside the United States are subject to a 1% fee.
  • Your account will be charged all $20 chargeback .
  • The average fee for currency conversion is 2-5% higher than the daily bank exchange rate.

2 Checkout is one of the best alternatives to PayPal, mainly international payments . It doesn’t matter where you are, so there is no problem.

PayPal Alternative: Payoneer

PayPal Alternative: Payoneer

Payoneer looks somewhat like Skrill (listed below) because it has a debit card and an online account. Online shopping is very easy and money transfer and collection are just one step away. The main advantage is the debit card. It is also possible to go to the ATM, and you can even enter the brick and mortar shop to use your Payoneer account.

Finally, Payoneer expands into the global payments market, providing tools to send and receive payments with customers and marketplaces.


  • There are convenient tools and integrations for freelancers who want to receive money from customers. This is especially true for international payments.
  • You can use Payoneer anywhere in the world .
  • No programming knowledge is required for the transaction process. You can implement the system on your website and get money in no time.
  • Also, it doesn’t take long to set up your account.
  • Funds are easily accessible through a bank account or ATM.
  • The rates are simple (billed monthly) and suitable for payments between Payoneer accounts (free).


  • The jury is still in customer service. Many people say it’s not that good online.
  • When transferring to a bank account, you usually have to pay a fee. This is a big drawback because most other systems like PayPal offer it for free.
  • Payoneer could not find your payment gateway.
  • If you accept credit cards, you will be charged a high fee.
  • If you go to the ATM, you have to pay a huge fee.

PayPal Alternative: Skrill

PayPal Alternative: Skrill

With rates and fees similar to PayPal , the Skrill platform may look the same at first. However, a prepaid debit card and a simple interface are enough. International money transfers are much easier with Skrill. This is because money can be transferred instantly to a debit card sent by the company. You can then use your debit card anywhere you want, including an ATM.


  • Setting up an account is one of the easiest ways for a business.
  • Security is certain.
  • Uploading and receiving funds while spending money on Skrill traders is almost always free.
  • Skrill accounts can be used anywhere in the world.
  • All you need to pay or accept is an email address.
  • Skrill has a complete system for gambling and gaming to make money, so it’s the right solution for these options.


  • The cost of sending money to your email address or other Skrill wallet is 1% of the amount transferred and the charge is $10.
  • The company has somewhat of an anti-fraud tool, so your account may turn out to be suspended. However, this is known to happen with PayPal as well.
  • Reports say customer service isn’t the best at Skrill.

Paypal alternative: stripes

PayPal Alternative: Stripe

Stripe Probably the most popular of all PayPal alternatives, and some ecommerce platforms indicate that they prefer Stripe. Payment processor. Squarespace, for example, has been working with them for a long time. Shopify offers its payment system through Shopify Stripe. The key to Stripe is that you don’t need a merchant account and gateway.

Payment handles everything from making payments at the bank. Including ACH payments and bitcoin work ). It’s one of the most efficient alternatives, and it’s no surprise that many platforms partner with them. The basic transaction fee is almost the same as PayPal.


  • Stripe automatically puts the transaction amount into your bank account.
  • Mobile payment is possible.
  • Accept payments from people and companies around the world.
  • Real-time fee reporting is possible.
  • Pay only for what you use.
  • Pricing is fairly transparent with no set, hidden or monthly charges.
  • Apple and Android Pay are supported.


  • Usually, you have to wait a few days after the transaction to access the money.
  • We can accept payments from all over the world, but our merchant accounts are only available in the US, Canada, UK, Australia and many European countries.
  • The interface may require programming knowledge.
  • International cards require an additional 1% transaction fee.

PayPal Alternative: Google Pay

PayPal Alternative: Google Pay

If you want a place to store and use your Google Wallet debit and credit cards, this is your best choice. You can easily use your money online, and you can even put any card into your phone and use it at your physical location.


  • Google Business you can accept from customers regardless of Google Pay website or physical store
  • Remittance or remittance takes only a while.
  • The main feature is to make payments on your smartphone, and you can do it online or in person.
  • Security is certain.
  • There are no fees and no additional charges are charged to the customer.


  • Still limited to iPhone and some Android phones only.
  • Security still scares us a little.

Paypal alternative: Authorize.Net

PayPal Alternative: Authorize.Net

The Authorize.Net platform is somewhat popular in online stores because of its reasonable price, excellent customer service, and an interface that can be used by almost anyone. While you can’t send or receive payments with friends or family, it’s a high-quality PayPal alternative for those who want to accept payments and join the most widely used gateway on the planet. .


  • More than 400,000 sellers use Authorize.Net so they have to do the right thing.
  • Reliability and security are much higher than competing products.
  • A free mobile app and sweeper are provided with your account.
  • Free 24/7 support is the best in business.
  • You can sync with QuickBooks.
  • There are no setup fees for payment gateways or merchant accounts .


  • There is no personal finance and money transfer tool you can get from PayPal.
  • There is an approximate monthly gateway fee. $25 .
  • 1.5% valuation international transactions when selling worldwide .
  • The chargebacks are $25 .

PayPal Alternative: QuickBooks Payment

PayPal Alternative: Intuit

Intuit can provide a full suite of tools depending on what your business needs. It’s popular and you can pay for it using the QuickBooks tool. It is also one of the best solutions if you want to integrate with QuickBooks for your accounting functions.


  • Integrate with QuickBooks.
  • Access TurboTax.
  • Send an invoice like PayPal.
  • Pay anywhere with mobile payments.
  • You can include a pay now button on your website.
  • Accept ACH bank transfer .
  • Associate payments with timesheets and salaries.


  • Pricing is competitive if you don’t use QuickBooks.
  • If you are looking for something for personal sending and acceptance, this is not what you want to go.

Paypal alternative: Dwolla

Paypal alternative: Dwolla

Dwolla may not appear on the radar at first, but it’s worth a look as it works very similar to PayPal. You can send and receive money transfers from companies and individuals, but the best part is that the company specializes in ACH bank transfers. This is the best option if you plan to receive or send a lot of bank transfers.

Unlike PayPal, Dwolla is not a card processing solution. Instead, it connects directly with your bank account to facilitate transfer of funds.

The good thing about removing the card now is that the transaction cost remains low. In fact, Dwolla’s main goal is to help anyone with a web-enabled device send money at the lowest possible price.

And to achieve this, Dwolla doesn’t even charge 0.25 cents to process funds under $10. More than that, every single transaction will be charged a flat rate of $10. It’s really simple.

Overall, PayPal looks ridiculously high by 2.9% + $0.30 especially when dealing with large transactions. For example, a trader handling 100 transactions each worth $10 is $2.50 + Dwolla . Conversely, PayPal will deduct a whopping $32 .


  • Branding tools are powerful and easy to use.
  • Bank transfer is very easy.
  • The next day transfer is provided at a flat rate.
  • The transaction fee is $0.25.
  • Let the sender pay the transaction fee if necessary.
  • Instant cash transfer is provided.
  • You can automate high-volume payouts just like running a marketplace.


  • If both the sender and the recipient do not use Dwolla, payment cannot be made.
  • Unable to create an account Dwolla if you are outside the US
  • Dwolla Business has a monthly fee and it is not cheap.

PayPal Alternative: Braintree

PayPal Alternative: Braintree

Along with payment gateways and recurring billing, the Braintree system provides a way to store credit cards similar to Google Pay. More personal finance features are packaged in Braintree, but they are best for sellers. Braintree is owned by PayPal, but operates as an independent company that is highly competitive with PayPal.


  • The price is simple and straightforward.
  • Collect recurring charges and save credit cards.
  • Braintree accepts all kinds of payment methods including PayPal, Card and Venmo.
  • It comes with a much more advanced list of features than PayPal.
  • Customer support is known to be rather solid.
  • Both online and mobile payments are available.
  • There is a special marketplace payment system.


  • If you plan to implement Braintree your website may require some kind of programming knowledge.
  • A separate merchant account is required for the system to function.
  • The main fees are for the transaction, but there are a number of other fees to consider.

PayPal Alternative: WorldPay

Formerly known as RBS Worldpay, it is a payment processing platform that supports a variety of payment options including credit and debit cards. The network expands all over the world, resulting in a PayPal competitor.

The main similarity between the two is that they primarily support both online and offline card transactions. So, you can use it in offline stores just like your e-commerce business PayPal.

However, when it comes to offline payments, it is built to support a variety of channels with WorldPay . You can take advantage of it’s POS system includes ATM payment functions and mobile payment functions for credit card payments and cash payments.

Worldpay then extends the same level of diversity with a pricing schedule configured to offer both Tier and Interchange Plus packages. That amount you pay each month depends on your transaction history as well as your average monthly throughput.

This means that offline card processing can cost a standard 2.9% + $0.30 for each transaction.


  • Like PayPal, Worldpay has an extensive global payment network.
  • Supports various offline processing options.
  • The pricing schedule is flexible.
  • Exchange Plus Pricing is available to increase transparency.
  • Worldpay provides 24/7 customer support.


  • Early termination of services will incur a cost of $295 .
  • You have to sign a contract for three years.
  • Free terminal service is misleading.

PayPal Alternative: Amazon Pay

PayPal Alternative: Amazon Pay

The online store Amazon Payments is at the top of the list in that people can do your checkout . Similar to PayPal, but expedites the entire process like ACH payments or bitcoin transactions. I want to compare it to a Facebook login where all user information is already stored. So, logging in or checking out (using Amazon Payments) is much faster than normal shopping cart and checkout.


  • Transaction fees are the same as PayPal.
  • Security is very advanced compared to other competitors.
  • Starting with an Amazon account, the interface and sign-up process is easy.
  • Everyone is familiar with Amazon, so customers can easily use it when paying.


  • There are arbitrary fees such as domestic processing fees and overseas processing fees.
  • Integrating with your online store may require some programming knowledge.

PayPal Alternative: Klana

This makes it possible Klarna ‘s AI system quickly analyzes the potential risk of an individual based on details, time of purchase and transaction history. After that, you approve or reject the purchase within seconds, and then the order is fulfilled. Ultimately, customers are given 14 days to settle the payment.

This means that while customers can conveniently shop, most of the risk comes from Klarna. In short, this payment processor is your e-commerce order fulfillment process.

Interestingly, you don’t even need to sign up for the service to connect directly to the bank. Standard online banking details and certifications and voila make it simple! Payment is immediately made to the merchant account .

Last but not least, compare it to the hassle of registering with PayPal and then loading your account before conducting a transaction.


  • Customers can purchase products and complete payment after delivery.
  • The payment process is convenient.
  • Shoppers can pay for installment orders.
  • Customers do not have to pay for product returns.
  • The seller is paid by Klarna upon checkout.


  • You can refuse to purchase for no specific reason.
  • Klarna’s customer support is not responding adequately.
  • Customer refunds may take some time.

Paypal alternative: WePay

Start to compete directly with PayPal WePay is a card processing solution that primarily supports online payments. However, to compensate for this, we have not yet developed a solid in-store processing framework.

However, the lack of brick and mortar support does not necessarily limit WePay’s online capabilities. You should be able to quickly set up and take advantage of security features to facilitate standard e-commerce.

When it comes to online payload funding, WePay essentially surpasses PayPal. Features and APIs are ideally optimized for this particular type of transaction.

In fact, WePay works well with numerous third-party payment services. However, interestingly, it turns out that PayPal cannot accept payments.

In other words, the fee is expected to incur a 2.9% + $0.30 processing of 1% + $0.30 ACH payments for each card transaction . And that’s it. WePay does not charge any other fees.


  • And, WePay provides a flexible API.
  • You can start your account pretty quickly.
  • Great for crowdfunding.
  • WePay supports a variety of online payment options.
  • ACH payment processing is cheap.
  • There is no monthly fee to use WePay.


  • WePay does not provide in-store card processing.
  • You cannot receive funds from PayPal.
  • WePay eCommerce features are no more powerful than PayPal

Which PayPal alternative should you choose?

It makes sense that some people hesitated to go far away. Because I have always encountered paypal compatibility issues. However, this is no longer the case and you can actually find more reliable solutions to do business in different regions of the world.

So rates are not as competitive as some options, and PayPal has been a significant part of the litigation. We’re not saying you should fully use PayPal, but it’s not a bad idea to taste the best. An alternative to PayPal is . Who knows In the end, you can save a significant amount of money and be happier with the company of your choice.

Some of the options mentioned above are better for personal sending/receiving, while others are best for e-commerce. On the other hand, you might just want to collect and send. ACH bank transfer . If you’re almost looking for a PayPal replica, use Dwolla or Skrill. Consider 2Checkout to complete the transaction in any country. Google Checkout is great for storing cards, while and Stripe are my favorite items for e-commerce.

However, TransferWise is best suited for international payments.


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